From Metro Detroit homes and high-rises to West Michigan lakefront cottages, downtown offices, hospitals, apartment communities, university buildings, and the manufacturing plants that built this state, Clarke & Cohen stands with Michigan policyholders through every phase of the claim.

Common Property Claims in Michigan

Water and winter drive most Michigan losses. The June 2021 storms flooded tens of thousands of basements across Detroit and Dearborn, and the 2020 dam failures sent the Tittabawassee River through homes and businesses in Midland, two reminders of how quickly water claims can overwhelm a community. Every winter brings ice dams, frozen and burst pipes, and snow-load roof damage, from Grand Rapids and Kalamazoo through Traverse City and across the Upper Peninsula, where lake-effect snow is measured in feet. Severe summer weather adds wind, hail, and the occasional tornado, like the one that struck Gaylord in 2022, while fires in older housing stock around Flint, Lansing, and Detroit remain among the most devastating losses families face. For Michigan's manufacturers, equipment damage and business interruption often become the largest parts of a claim.

Our consultants handle each of these losses the same way, working only for the policyholder to confirm coverage, document the damage thoroughly, value the loss completely, and present a claim that supports a full recovery.